LAST WILL AND TESTAMENT OF

_______________________________________

I, _________________________________________________ , a resident
of___________________, being of sound and disposing mind and memory
and over the age of eighteen (18) years, and not being actuated by any
duress, menace, fraud, mistake, or undue influence, do hereby make, publish
and declare the following to be my Last Will and Testament, revoking all
previous will and codicils made by me.

I. MARRIAGE AND CHILDREN

I declare that I am married to ______________________________________,

and all references in this Will to my husband are references to him.

I have the following children:

Name: ____________________________ Birth Date: __________________

Name: ____________________________ Birth Date: __________________

Name: ____________________________ Birth Date: __________________

II. EXECUTOR: I appoint ______________________________________ as

Executor of my Last Will and Testament. If __________________________ is
unable or unwilling to serve, then I appoint _________________________ as
alternate Executor.

My Executor shall be authorized to carry out all provisions of this Will and pay
my just debts, obligations and funeral expenses, except mortgage notes
secured by real estate, as soon as practical.

III. SIMULTANEOUS DEATH OF SPOUSE: If my husband shall die

simultaneously with me, I direct that I shall be deemed to have survived my
husband, and that the provisions of my Will shall be construed on such
presumption.

IV. SIMULTANEOUS DEATH OF BENEFICIARY: If any beneficiary of this

Will, other than my husband, shall die within 30 days of my death or prior to
the distribution of my estate, I hereby declare that I shall be deemed to have
survived such person.
V. BEQUESTS:

I will give the persons named below, if he or she survives me, the Property
described below:

Name: _____________________________________

Address: ___________________________________

Relationship: ________________________________

Property:
______________________________________________________________

______________________________________________________________

______________________________________________________________

______________________________________________________________

Name: _____________________________________

Address: ___________________________________

Relationship: ________________________________

Property:
______________________________________________________________

______________________________________________________________

______________________________________________________________

______________________________________________________________
Name: _____________________________________

Address: ___________________________________

Relationship: ________________________________

Property:
______________________________________________________________

______________________________________________________________

______________________________________________________________

______________________________________________________________

If a named beneficiary to this Will predeceases me, the bequest to such

person shall lapse, and the property shall pass under the other provisions of
this Will. If I do not possess or own any property listed above on the date of
my death, the bequest of that property shall lapse.

VI. ALL REMAINING PROPERTY; RESIDUARY CLAUSE: I give, devise,

and bequeath all of the rest, residue, and remainder of my estate, of
whatever kind and character, and wherever located, to my husband,
provided that husband survives me. I make no provision for my children,
knowing that, as their parent, husband will continue to be mindful of their
needs and requirements. If my husband does not survive me, then I give,
devise, and bequeath all of the rest, residue, and remainder of my estate,
of whatever kind and character, and wherever located, to my children per
share, but if any child predeceases me, then his or her share will pass,
per share, to his or her lineal descendants, natural or adopted, if any, who
survive me; but if there are none, I direct that the share of any child of
mine who shall have died leaving no issue shall be divided among my
surviving children in equal shares.

VII. ADDITIONAL POWERS OF THE EXECUTOR: My Executor shall have

the following additional powers with respect to my estate, to be exercised
from time to time at my Executor's discretion without further license or
order of any court.
___________________________________________________________
___________________________________________________________
___________________________________________________________
___________________________________________________________

VIII. OPTIONAL PROVISIONS: I have placed my initials next to the

provisions below that I adopt as part of this Will. Any unmarked provision is
not adopted by me and is not a part of this Will.
______ If any beneficiary to this Will is indebted to me at the time of my
death, and the beneficiary evidences this debt by a valid Promissory
Note payable to me, then such person's portion of my estate shall be
diminished by the amount of such debt.

______ Any and all debts of my estate shall first be paid from my residuary
estate. Any debts on any real property bequeathed in this Will shall
be assumed by the person to receive such real property and not
paid by my Executor.

______ I direct that my remains be cremated and that the ashes be disposed
of according to the wishes of my Executor.

______ I direct that my remains be cremated and that the ashes be disposed
of in the following manner:
_____________________________________________________
_____________________________________________________
_____________________________________________________

_______ I desire to be buried in the _____________________________

cemetery in __________________

IX. SEVERABILITY AND SURVIVAL If any portion of my will shall be held

illegal, invalid or otherwise inoperative, it is my intention that all of the other
provisions hereof shall continue to be fully effective and operative insofar as is
possible and reasonable.

IN WITNESS WHEREOF, I,
_______________________________________ , hereby set my hand to this
last Will, on each page of which I have placed my initials, on this ________
day of ____________________, 20______ at
_____________________________________________________________,

________________________________[Signature of Testator]

________________________________[Printed or typed name of Testator]

________________________________[Address of Testator, Line 1]

________________________________[Address of Testator, Line 2]

________________________________[Address of Testator, Line 3]

WITNESSES
The foregoing instrument, consisting of ________ pages, including this page,
was signed in our presence by
_______________________________________ [name of Testator] and
declared by her to be her last Will. We, at the request and in the presence of
_________________________ [her] and in the presence of each other, have
subscribed our names below as witnesses. We declare that we are of sound
mind and of the proper age to witness a will, that to the best of our knowledge
the testator is of the age of majority, or is otherwise legally competent to make
a will, and appears of sound mind and under no undue influence or
constraint. Under penalty of perjury, we declare these statements are true
and correct on this ________ day of ____________________, 20______ at
_____________________________________________________________,

_______________________________[Signature of Witness #1]

_______________________________[Printed or typed name of Witness #1]

_______________________________[Address of Witness #1, Line 1]

_______________________________[Address of Witness #1, Line 2]

_______________________________[Signature of Witness #2]

_______________________________[Printed or typed name of Witness #2]

_______________________________[Address of Witness #2, Line 1]

_______________________________[Address of Witness #2, Line 2]

_______________________________[Signature of Witness #3]

_______________________________[Printed or typed name of Witness #3]

_______________________________[Address of Witness #3, Line 1]

_______________________________[Address of Witness #3, Line 2]